Same Rs 10000 a month.
Each crore arrives faster.
One SIP. Never raised. Assume 12 pct a year. Watch how long each milestone takes once the snowball is rolling.
| Milestone |
Time to get there |
| First crore | 20.1 years |
| Second crore | +5.4 years |
| Third crore | +3.3 years |
| Total you actually deposited | 36 lakh |
Run it for the full 30 years and the pot is Rs 3.49 cr. You only put in 36 lakh. The other 3.13 cr is growth. And 72 pct of that final corpus showed up in the last decade alone, years 20 to 30. The early years felt flat because they were doing the unglamorous work the late years cash in.